| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE STE 1200 DALLAS, TX 752017943 | PRINCIPAL LIFE INSURANCE COMPANY | $17K | — | $17K | 15.11% |
| MICHAEL SCOTT MCDUFFIE3 | 949 BEECH LANE BIRMINGHAM, AL 35213 | CANOPY INSURANCE CORP | $8K | — | $8K | 10.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 8.07% |
| TODD BOOZER3 | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $941 | — | $941 | 1.94% |
| AIMEE STONE3 | 3604 COVENTRY CIR VESTAVIA, AL 35243 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $381 | $19 | $400 | 0.82% |
| TAMARA ANN BUSCHER3 | 1318 S WINTERBROOK OLATHE, KS 66062 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $212 | $21 | $233 | 0.48% |
| C&J BENEFITS AGENCY LLC3 | 123 HILLTOP BUSINESS DRIVE PELHAM, AL 35124 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $206 | — | $206 | 0.42% |
| ROBERT H STONE SR3 | 3604 COVENTRY CIRCLE VESTAVIA HILLS, AL 35243 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $192 | $13 | $205 | 0.42% |
| LISA MARIE HALL3 | 113 WOODBERRY CROSSETT, AR 71635 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $205 | — | $205 | 0.42% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $162 | — | $162 | 0.33% |
| HEATHER HORN3 | 126 REED LANE LOCUST FORK, AL 35097 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $133 | — | $133 | 0.27% |
| JT BENEFITS LLC3 | 262 YEAGER PKWY PELHAM, AL 35124 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $69 | — | $69 | 0.14% |
| RON BOWLING3 | 8575 W 110TH ST OVERLAND PARK, KS 66210 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $32 | $12 | $44 | 0.09% |
| SUZANNE M CALHOUN3 | 3104 HADDONSTONE DRIVE OWNES X RD, AL 35763 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.09% |
| ELEZABETH GROVE CARRAWAY3 | 2409 PARK LANE S BIRMINGHAM, AL 35213 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 0.08% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC. | 214 N TRYON ST STE 2500 CHARLOTTE, NC 28202 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.06% |
| BURTON M HERRING JR3 | 922 OLD FEDERAL RD SHORTER, AL 36075 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.04% |
| KELLIE WELLS3 | 16281 SAVOY PORT FAIRHOPE, AL 36532 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.04% |
| SHANNON RALEY3 | 1409 PANORAMA DRIVE VESTAVIA HILLS, AA 35216 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| LEONARD M MISCONIS3 | C/O BETTY BYE LULING, LA 70070 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| DKC CONSULTING, INC.3 Filed as: DKC ENTERPRISES LLC | 441 O'NEAL DRIVE HOOVER, AL 35226 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| MICHAEL SCOTT MCDUFFIE3 | 949 BEECH LANE BIRMINGHAM, AL 35213 | CANOPY INSURANCE CORP | $1K | — | $1K | 10.00% |
| MICHAEL SCOTT MCDUFFIE3 | 949 BEECH LANE BIRMINGHAM, AL 35213 | NATIONAL GUARDIAN LIFE | $855 | — | $855 | 10.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 199 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | VIVA HEALTH | 309 | $1.9M |
| Dental | CANOPY INSURANCE CORP | 167 | $77K |
| Vision(2 contracts, 2 carriers) | CANOPY INSURANCE CORP | 146 | $21K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 252 | $163K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 252 | $163K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 252 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 309 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.